The fixed investment of the fund is to invest a certain amount into the fund in a specified period, usually once a month, once a quarter and once a year. Compared with one-time investment, fixed investment can avoid the influence of market fluctuation on investment, and at the same time, it can spread risks evenly, reduce investment costs and improve yield.
However, the fixed investment of the fund does not mean that it must make money. The income of the fund is related to the market environment, the operation ability of the fund manager, the fund management fee and other factors. When the performance of the fund is poor, the fixed investment will also be affected. Therefore, when choosing a fund, we should pay attention to the historical performance of the fund, the experience and performance of the fund manager and other factors.
In addition, the fixed investment period is also very important. Long-term holding is the core of the fund's fixed investment, and it is generally recommended to hold it for at least three years. Because market fluctuation is inevitable, if the market dives in the short term, investors are prone to panic and lose patience, thus missing the opportunity of recovery in the later period. Long-term holding can make investors enjoy the compound interest effect, and can also reduce the impact of market fluctuations on investment.
In addition, investors also need to pay attention to the choice of fixed investment amount. The amount of fixed investment should be selected according to one's financial situation and risk tolerance, and it is generally recommended not to exceed 20% of disposable income to avoid affecting the quality of life due to fixed investment.
In short, the fixed investment of the fund does not guarantee to make money, but it can effectively reduce the investment risk, and long-term holding can get higher returns. Investors should pay attention to choosing a good fund, a good term and a suitable amount of fixed investment when making fixed investment in the fund. Through scientific investment ideas and methods, the fixed investment of the fund can become a stable and sustainable investment method.